J and Friends Holdings Limited (JF) Fair Value 2026

JF · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.9 /10

32 fundamental signals · 0 models active

Value Trap Risk

WARN (42/100)

Quick Summary — As of 2026-08-31, J and Friends Holdings Limited (JF) trades at $0.92. QOC: 5.9/10. Value Trap Risk: 42/100 (WARN). 0/13 models active.

Key Facts

Ticker
JF
Price
$0.92
Quality Score
5.9/10
Value Trap Risk
42/100
Models Active
0/13
Last Updated
Strength: 0 independent models provide multi-angle coverage
Risk: Value Trap score of 42 suggests caution despite apparent undervaluation

What Fair Value Does Each Model Give JF?

0 Intrinsic Value Models vs. Current Price ($0.92)

Core Models (Unlocked)
Model Fair Value Upside

All Models Active

All 0 models are displayed above.

What Is J and Friends Holdings Limited (JF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, J and Friends Holdings Limited currently lacks sufficient data across our 13-model framework. As more financial data is processed from SEC filings, our models will generate intrinsic value estimates.

What Do the Models Say About JF?

0 of 13 models are currently active for JF. See which stocks rank higher →

How Does JF Rank in Credit Services?

Among 54 Credit Services stocks, JF ranks #43 by Quality of Company score. CirclFi's QOC score of 5.9/10 evaluates 32 fundamental signals. A score of 5.9 reflects mixed fundamentals.

See all Most Undervalued Credit Services Stocks →

J and Friends Holdings Limited's positioning within the Credit Services segment means that return on tangible equity plays an outsized role in fundamental analysis. The sector's unique characteristics — including credit quality trends — shape both the opportunity set and risk profile.

Is JF a Value Trap?

CirclFi's Value Trap algorithm assigns JF a score of 42/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

0 of 13 models are active for J and Friends Holdings Limited. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, J and Friends Holdings Limited earns a quality score of 5.9/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency. Our Value Trap detector shows moderate caution signals worth monitoring.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every JF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy J and Friends Holdings Limited Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

10 related Credit Services stocks with 13-model coverage

PRAAPRA Group, Inc.QOC 6.4KLARKlarna Group plcQOC 5.6NAVINavient CorporationQOC 6.5FOAFinance of America Companies Inc.QOC 5.6WRLDWorld Acceptance CorporationQOC 6.8LULufax Holding LtdQOC 5.3MAMastercard IncorporatedQOC 9.1BFHBread Financial Holdings, Inc.QOC 8.0WUThe Western Union CompanyQOC 7.4JFINJiayin Group Inc.QOC 9.2

Read investment analysis: PRAA · KLAR · NAVI · FOA · WRLD · LU · MA · BFH · WU · JFIN

Which Other Stocks Have a Similar Quality Score to JF?

7 companies across all industries closest to JF’s Quality of Company score of 5.9/10.

WTGWintergreen Acquisition Corp.QOC 5.9AIFFFirefly Neuroscience, Inc.QOC 5.9XRNChiron Real Estate Inc.QOC 5.9SATLSatellogic Inc.QOC 5.9PRGOPerrigo Company plcQOC 5.9QNMELakeside Holding LimitedQOC 5.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: WTG · AIFF · XRN · SATL · PRGO · QNME · NVDA

Where Does JF Sit in CirclFi's Credit Services Rankings?

JF is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About J and Friends Holdings Limited’s Valuation?

What is J and Friends Holdings Limited's intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for J and Friends Holdings Limited (JF). The Quality of Company score is 5.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is JF overvalued or undervalued right now?

At $0.92, 0 of 0 active models suggest JF may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits J and Friends Holdings Limited's business model in Credit Services.

What does a Quality of Company score of 5.9 mean for JF?

J and Friends Holdings Limited's QOC of 5.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on JF?

CirclFi analyzes JF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 0 of 13 are active for this stock. Read the full methodology →

Is JF a value trap in 2026?

J and Friends Holdings Limited's Value Trap score is 42/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns J and Friends Holdings Limited (JF) a Quality of Company score of 5.9/10 across 32 fundamental signals as of 2026-08-31.” Source: circlfi.com/stock/JF/ · Methodology
Primary sources for this JF valuation
  • Financial statements: J and Friends Holdings Limited 10-K and 10-Q filings on SEC EDGAR (CIK 0001716338) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for JF as of ; valuations recomputed .